8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Apr 8, 2026·SEC
Material company update
Jan 28, 2026·SEC
Navient Corporation(NAVI)Earnings, Financials & Key Ratios
NAVI•NASDAQ•Banking & Credit
$8.71
$819M mkt cap·Price updated May 6, 2026
AboutNavient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.Show more
- Net Interest Income$526M-1.9%
- Total Revenue$3.23B-23.7%
- Net Income-$80M-161.1%
- Return on Equity-3.17%-165.4%
- Net Interest Margin1.08%+4.4%
- Efficiency Ratio9.82%-38.3%
- ROA-0.16%-168.8%
- Equity / Assets4.93%-3.4%
- Book Value per Share24.23+1.8%
- Tangible BV/Share19.85
- Debt/Equity19.05+3.4%
NAVI Key Insights
Navient Corporation (NAVI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 9.8% efficiency ratio
- ✓Share count reduced 10.8% through buybacks
- ✓Trading at only 0.4x book value
✗Weaknesses
- ✗High debt to equity ratio of 19.1x
- ✗Weak 3Y average ROE of 3.2%
- ✗Weak NIM of 1.1%
- ✗Thin capital base
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NAVI Price & Volume
Navient Corporation (NAVI) stock price & volume — 10-year historical chart
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NAVI Growth Metrics
Navient Corporation (NAVI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-4.61%
5 Years-2.86%
3 Years-5.6%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-207.14%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-223.53%
Return on Capital
10 Years1.24%
5 Years1.74%
3 Years2.11%
Last Year5.5%
NAVI Recent Earnings
Navient Corporation (NAVI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 29, 2026EPS
$0.20
Est $0.17
+17.6%
Revenue
$152M
Est $141M
+7.4%
Q1 2026
Jan 28, 2026EPS
$0.02
Est $0.31
-93.6%
Revenue
$144M
Est $160M
-9.9%
Q4 2025
Oct 29, 2025EPS
$0.29
Est $0.18
+61.1%
Revenue
$800M
Est $137M
+485.0%
Q3 2025
Jul 30, 2025EPS
$0.21
Est $0.27
-22.2%
Revenue
$806M
Est $146M
+450.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.20vs $0.17+17.6% | $152Mvs $141M+7.4% |
| Q1 2026 | Jan 28, 2026 | $0.02vs $0.31-93.6% | $144Mvs $160M-9.9% |
| Q4 2025 | Oct 29, 2025 | $0.29vs $0.18+61.1% | $800Mvs $137M+485.0% |
| Q3 2025 | Jul 30, 2025 | $0.21vs $0.27-22.2% | $806Mvs $146M+450.8% |
Based on last 12 quarters of dataView full earnings history →
NAVI Peer Comparison
Navient Corporation (NAVI) competitors in Student Loan Lending and Servicing — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SLM | 4.47B | 22.54 | 6.51 | 4.1% | 23.95% | 31.01% | 12.89% | 2.39 |
 ECPG | 1.83B | 84.41 | 7.74 | 33.89% | 14.57% | 26.29% | 6.93% | |
 PRA | 1.27B | 24.66 | 24.91 | -2.67% | 4.69% | 3.95% | 0.33 | |
 PFSI | 4.56B | 87.48 | 9.41 | 173.81% | 11.48% | 12.02% | 5.35 | |
 OMF | 6.45B | 55.05 | 8.39 | 9.09% | 12.54% | 23.62% | 48.53% | 6.67 |
 PRDO | 2.18B | 34.75 | 14.36 | 24.2% | 18.9% | 16.3% | 9.94% | 0.11 |
 STRA | 1.79B | 78.94 | 14.56 | 3.96% | 10.21% | 7.85% | 8.58% | 0.07 |
 LAUR | 4.61B | 32.30 | 17.09 | 8.64% | 16.08% | 25.36% | 5.71% | 0.71 |
Compare NAVI vs Peers
Navient Corporation (NAVI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NAVI Income Statement
Navient Corporation (NAVI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.41B | 1.24B | 1.19B | 1.25B | 1.33B | 1.12B | 862M | 536M | 526M | 526M |
| NII Growth % | -17.18% | -12.18% | -4.44% | 5.65% | 6.39% | -15.84% | -23.1% | -37.82% | -1.87% | 10.16% |
| Net Interest Margin % | 1.23% | 1.19% | 1.25% | 1.43% | 1.65% | 1.58% | 1.4% | 1.03% | 1.08% | 1.1% |
| Interest Income | 4.38B | 4.91B | 4.67B | 3.3B | 2.65B | 3.22B | 4.42B | 3.81B | 3.11B | 3B |
| Interest Expense | 2.97B | 3.67B | 3.49B | 2.05B | 1.32B | 2.1B | 3.56B | 3.27B | 2.58B | 2.47B |
| Loan Loss Provision | 426M | 370M | 258M | 155M | -61M | 79M | 123M | 113M | -2.16B | -328M |
| Non-Interest Income | 799M | 683M | 811M | 436M | 879M | 616M | 417M | 425M | 121M | 62M |
| Non-Interest Income % | 15.42% | 12.22% | 14.79% | 11.68% | 24.92% | 16.05% | 8.62% | 10.04% | 3.75% | 2.02% |
| Total Revenue | 5.18B▲ 0% | 5.59B▲ 7.9% | 5.48B▼ 1.9% | 3.73B▼ 31.9% | 3.53B▼ 5.5% | 3.84B▲ 8.8% | 4.84B▲ 26.0% | 4.23B▼ 12.4% | 3.23B▼ 23.7% | 3.06B▲ 0% |
| Revenue Growth % | 4.39% | 7.89% | -1.91% | -31.91% | -5.54% | 8.85% | 25.97% | -12.45% | -23.74% | -84.62% |
| Non-Interest Expense | 1.02B | 1.02B | 975M | 1B | 1.34B | 831M | 843M | 674M | 317M | 378M |
| Efficiency Ratio | 19.7% | 18.33% | 17.78% | 26.81% | 37.88% | 21.65% | 17.43% | 15.92% | 9.82% | 12.34% |
| Operating Income | 764M▲ 0% | 528M▼ 30.9% | 763M▲ 44.5% | 532M▼ 30.3% | 936M▲ 75.9% | 827M▼ 11.6% | 313M▼ 62.2% | 174M▼ 44.4% | 2.49B▲ 1331.6% | 538M▲ 0% |
| Operating Margin % | 14.74% | 9.44% | 13.91% | 14.25% | 26.54% | 21.54% | 6.47% | 4.11% | 77.14% | 17.57% |
| Operating Income Growth % | -31.05% | -30.89% | 44.51% | -30.28% | 75.94% | -11.65% | -62.15% | -44.41% | 1331.61% | - |
| Pretax Income | 764M▲ 0% | 528M▼ 30.9% | 763M▲ 44.5% | 532M▼ 30.3% | 936M▲ 75.9% | 827M▼ 11.6% | 313M▼ 62.2% | 174M▼ 44.4% | -111M▼ 163.8% | -74M▲ 0% |
| Pretax Margin % | 14.74% | 9.44% | 13.91% | 14.25% | 26.54% | 21.54% | 6.47% | 4.11% | -3.44% | -2.42% |
| Income Tax | 472M | 133M | 166M | 120M | 219M | 182M | 85M | 43M | -31M | -14M |
| Effective Tax Rate % | 61.78% | 25.19% | 21.76% | 22.56% | 23.4% | 22.01% | 27.16% | 24.71% | 27.93% | 18.92% |
| Net Income | 292M▲ 0% | 395M▲ 35.3% | 597M▲ 51.1% | 412M▼ 31.0% | 717M▲ 74.0% | 645M▼ 10.0% | 228M▼ 64.7% | 131M▼ 42.5% | -80M▼ 161.1% | -60M▲ 0% |
| Net Margin % | 5.63% | 7.06% | 10.89% | 11.03% | 20.33% | 16.8% | 4.71% | 3.09% | -2.48% | -1.96% |
| Net Income Growth % | -57.12% | 35.27% | 51.14% | -30.99% | 74.03% | -10.04% | -64.65% | -42.54% | -161.07% | -207.14% |
| Net Income (Continuing) | 292M | 395M | 597M | 412M | 717M | 645M | 228M | 131M | -80M | -60M |
| EPS (Diluted) | 1.04▲ 0% | 1.50▲ 44.2% | 2.56▲ 70.7% | 2.11▼ 17.6% | 4.17▲ 97.6% | 4.48▲ 7.4% | 1.85▼ 58.7% | 1.18▼ 36.2% | -0.81▼ 168.6% | -0.63▲ 0% |
| EPS Growth % | -50.94% | 44.23% | 70.67% | -17.58% | 97.63% | 7.43% | -58.71% | -36.22% | -168.64% | -223.53% |
| EPS (Basic) | 1.06 | 1.52 | 2.60 | 2.13 | 4.22 | 4.54 | 1.87 | 1.20 | -0.81 | - |
| Diluted Shares Outstanding | 281M | 264M | 233M | 195M | 172M | 144M | 123M | 111M | 99M | 96M |
NAVI Balance Sheet
Navient Corporation (NAVI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.52B | 1.29B | 1.23B | 1.18B | 905M | 1.53B | 839M | 722M | 2.1B | 4.01B |
| Cash & Due from Banks | 1.52B | 1.29B | 1.23B | 1.18B | 905M | 1.53B | 839M | 722M | 2.1B | 621M |
| Short Term Investments | 2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 106.01B | 94.88B | 87.24B | 79.95B | 73.3B | 62.47B | 55.03B | 46.74B | 44.26B | 43.07B |
| Investments Growth % | -5.44% | -10.5% | -8.05% | -8.35% | -8.33% | -14.77% | -11.92% | -15.07% | -5.3% | -29.67% |
| Long-Term Investments | 106B | 94.88B | 87.24B | 79.95B | 73.3B | 62.47B | 55.03B | 46.74B | 44.26B | 177.26B |
| Accounts Receivables | 2.07B | 2.09B | 2.07B | 2.05B | 2.04B | 2.11B | 2.18B | 1.78B | 1.67B | 1.63B |
| Goodwill & Intangibles | 810M | 786M | 757M | 735M | 725M | 705M | 695M | 437M | 434M | 430M |
| Goodwill | 701M | 665M | 665M | 665M | 671M | 670M | 670M | 428M | 428M | 430M |
| Intangible Assets | 109M | 121M | 92M | 70M | 54M | 35M | 25M | 9M | 6M | 0 |
| PP&E (Net) | 156M | 136M | 135M | 116M | 95M | 74M | 62M | 52M | 0 | 21M |
| Other Assets | 4.05B | 4.72B | 3.21B | 2.92B | 3.17B | 3.76B | 2.45B | 1.94B | -44.26B | 721M |
| Total Current Assets | 3.97B | 3.65B | 3.56B | 3.69B | 3.31B | 3.78B | 3.14B | 2.62B | 2.1B | 3.76B |
| Total Non-Current Assets | 111.02B | 100.53B | 91.34B | 83.72B | 77.29B | 67.01B | 58.23B | 49.16B | 434M | 44.24B |
| Total Assets | 114.99B▲ 0% | 104.18B▼ 9.4% | 94.9B▼ 8.9% | 87.41B▼ 7.9% | 80.61B▼ 7.8% | 70.8B▼ 12.2% | 61.38B▼ 13.3% | 51.79B▼ 15.6% | 48.68B▼ 6.0% | 48B▲ 0% |
| Asset Growth % | -5.07% | -9.41% | -8.9% | -7.89% | -7.79% | -12.17% | -13.31% | -15.62% | -6% | -30.82% |
| Return on Assets (ROA) | 0.25% | 0.36% | 0.6% | 0.45% | 0.85% | 0.85% | 0.34% | 0.23% | -0.16% | -0.12% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 109.77B | 99.29B | 90.23B | 83.39B | 76.72B | 67.4B | 57.91B | 48.66B | 45.71B | 45.18B |
| Net Debt | 108.25B | 98.01B | 89B | 82.21B | 75.82B | 65.86B | 57.08B | 47.94B | 43.6B | 44.56B |
| Long-Term Debt | 97.78B | 90.79B | 80.68B | 76.98B | 72.93B | 62.43B | 53.15B | 43.92B | 40.63B | 40.18B |
| Short-Term Debt | 11.98B | 8.5B | 9.56B | 6.41B | 3.79B | 4.96B | 4.76B | 4.75B | 5.07B | 5.01B |
| Other Liabilities | 1.74B | 1.34B | 1.32B | 1.57B | 1.28B | 422M | 700M | 483M | 576M | 443M |
| Total Current Liabilities | 11.98B | 8.5B | 9.56B | 6.41B | 3.79B | 4.96B | 4.76B | 4.75B | 5.07B | 5.01B |
| Total Non-Current Liabilities | 99.52B | 92.13B | 82B | 78.55B | 74.2B | 62.85B | 53.85B | 44.4B | 41.21B | 40.62B |
| Total Liabilities | 111.51B | 100.63B | 91.55B | 84.97B | 78B | 67.82B | 58.62B | 49.15B | 46.28B | 45.63B |
| Total Equity | 3.48B▲ 0% | 3.55B▲ 1.8% | 3.35B▼ 5.6% | 2.45B▼ 26.9% | 2.61B▲ 6.6% | 2.98B▲ 14.1% | 2.76B▼ 7.3% | 2.64B▼ 4.3% | 2.4B▼ 9.2% | 2.38B▲ 0% |
| Equity Growth % | -6.39% | 1.78% | -5.58% | -26.93% | 6.58% | 14.15% | -7.29% | -4.31% | -9.16% | -33.44% |
| Equity / Assets (Capital Ratio) | 3.03% | 3.4% | 3.53% | 2.8% | 3.24% | 4.21% | 4.5% | 5.1% | 4.93% | 4.96% |
| Return on Equity (ROE) | 8.1% | 11.23% | 17.31% | 14.22% | 28.37% | 23.1% | 7.95% | 4.85% | -3.17% | -2.45% |
| Book Value per Share | 12.40 | 13.44 | 14.37 | 12.55 | 15.16 | 20.67 | 22.44 | 23.79 | 24.23 | 24.78 |
| Tangible BV per Share | 9.52 | 10.46 | 11.12 | 8.78 | 10.95 | 15.78 | 16.79 | 19.86 | 19.85 | 20.30 |
| Common Stock | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M |
| Additional Paid-in Capital | 3.08B | 3.15B | 3.2B | 3.23B | 3.28B | 3.31B | 3.35B | 3.38B | 3.4B | 3.41B |
| Retained Earnings | 3B | 3.22B | 3.66B | 3.33B | 3.94B | 4.49B | 4.64B | 4.7B | 4.55B | 4.55B |
| Accumulated OCI | 61M | 113M | -91M | -274M | -133M | 87M | 19M | 3M | 2M | 5M |
| Treasury Stock | -2.69B | -2.96B | -3.44B | -3.85B | -4.5B | -4.92B | -5.25B | -5.44B | -5.56B | -5.59B |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NAVI Cash Flow Statement
Navient Corporation (NAVI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.16B | 1.14B | 1.02B | 987M | 702M | 305M | 676M | 459M | 441M | 441M |
| Operating CF Growth % | -14.74% | -1.47% | -10.61% | -3.14% | -28.88% | -56.55% | 121.64% | -32.1% | -3.92% | 2653.96% |
| Net Income | 292M | 395M | 597M | 412M | 717M | 645M | 228M | 131M | -80M | -60M |
| Depreciation & Amortization | 23M | 47M | 30M | 0 | 0 | 0 | 0 | 0 | 3M | 5M |
| Deferred Taxes | -23M | -47M | -30M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 369M | 435M | 357M | 523M | -469M | -492M | 288M | 93M | 404M | 317M |
| Working Capital Changes | 461M | 285M | 40M | 34M | 432M | 133M | 136M | 212M | 93M | 46M |
| Cash from Investing | 7.5B | 10.36B | 7.49B | 6.45B | 6.67B | 10.59B | 7.36B | 8.47B | 2.71B | 2.74B |
| Purchase of Investments | -1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 23M | 115M | 7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 22M | 115M | 7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | -216M | 0 | 0 | 0 | -16M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 408M | 10.24B | 7.48B | 6.45B | 6.69B | 10.59B | 7.36B | 8.47B | 2.71B | 2.74B |
| Cash from Financing | -8.39B | -10.88B | -9.98B | -7.68B | -7.33B | -9.66B | -10.05B | -9.62B | -3.15B | -2.99B |
| Dividends Paid | -176M | -166M | -147M | -123M | -107M | -91M | -78M | -70M | -63M | -62M |
| Share Repurchases | -440M | -220M | -440M | -400M | -600M | -400M | -310M | -179M | -111M | -99M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -440M | -220M | -440M | -400M | -600M | -400M | -310M | -179M | -111M | -99M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -3M |
| Other Financing | -79M | -162M | -189M | -2.11B | -1.97B | 1.18B | -101M | -79M | 264M | -524M |
| Net Change in Cash | 265M▲ 0% | 616M▲ 132.5% | -1.48B▼ 340.4% | -244M▲ 83.5% | 41M▲ 116.8% | 1.23B▲ 2897.6% | -2.01B▼ 263.9% | -690M▲ 65.7% | 1M▲ 100.1% | 76M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.25B | 4.65B | 5.26B | 3.78B | 3.54B | 3.58B | 4.81B | 2.79B | 2.1B | 2.1B |
| Cash at End | 1.52B | 5.26B | 3.78B | 3.54B | 3.58B | 4.81B | 2.79B | 2.1B | 2.1B | 2.13B |
| Interest Paid | 2.87B | 3.46B | 3.48B | 2.06B | 1.38B | 1.9B | 3.43B | 3.24B | 2.56B | 1.86B |
| Income Taxes Paid | 157M | 57M | 93M | 74M | 190M | 30M | 57M | 38M | 26M | 25M |
| Free Cash Flow | 8.44B▲ 0% | 1.14B▼ 86.5% | 1.02B▼ 10.6% | 987M▼ 3.1% | 702M▼ 28.9% | 305M▼ 56.6% | 676M▲ 121.6% | 459M▼ 32.1% | 441M▼ 3.9% | 323M▲ 0% |
| FCF Growth % | 521.89% | -86.49% | -10.61% | -3.14% | -28.88% | -56.55% | 121.64% | -32.1% | -3.92% | -7.18% |
NAVI Banking Ratios
Navient Corporation (NAVI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.1% | 11.23% | 17.31% | 14.22% | 28.37% | 23.1% | 7.95% | 4.85% | -3.17% | -2.45% |
| Return on Assets (ROA) | 0.25% | 0.36% | 0.6% | 0.45% | 0.85% | 0.85% | 0.34% | 0.23% | -0.16% | -0.12% |
| Net Interest Margin | 1.23% | 1.19% | 1.25% | 1.43% | 1.65% | 1.58% | 1.4% | 1.03% | 1.08% | 1.1% |
| Efficiency Ratio | 19.7% | 18.33% | 17.78% | 26.81% | 37.88% | 21.65% | 17.43% | 15.92% | 9.82% | 12.34% |
| Equity / Assets | 3.03% | 3.4% | 3.53% | 2.8% | 3.24% | 4.21% | 4.5% | 5.1% | 4.93% | 4.96% |
| Book Value / Share | 12.4 | 13.44 | 14.37 | 12.55 | 15.16 | 20.67 | 22.44 | 23.79 | 24.23 | 24.78 |
| NII Growth | -17.18% | -12.18% | -4.44% | 5.65% | 6.39% | -15.84% | -23.1% | -37.82% | -1.87% | 2.14% |
| Dividend Payout | 60.27% | 42.03% | 24.62% | 29.85% | 14.92% | 14.11% | 34.21% | 53.44% | - | -78.33% |
NAVI SEC Filings & Documents
Navient Corporation (NAVI) SEC filings — annual & quarterly reports (10-K, 10-Q)
NAVI Frequently Asked Questions
Navient Corporation (NAVI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Navient Corporation (NAVI) saw revenue decline by 23.7% over the past year.
Navient Corporation (NAVI) reported a net loss of $60.0M for fiscal year 2025.
Dividend & Returns
Yes, Navient Corporation (NAVI) pays a dividend with a yield of 7.31%. This makes it attractive for income-focused investors.
Navient Corporation (NAVI) has a return on equity (ROE) of -3.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Navient Corporation (NAVI) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.
Navient Corporation (NAVI) has an efficiency ratio of 9.8%. This is excellent, indicating strong cost control.
Explore More NAVI
Navient Corporation (NAVI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates